小微企业融资难、融资贵是困扰我国国民经济运行的老大难问题。国务院2015年底颁布的《推进普惠金融发展规划(2016-2020年)》(国发〔2015〕74号),将“推进金融知识普及教育”列为普惠金融的重要内容,为破解小微企业融资难、融资贵问题指出了一条新路。金融知识匮乏是小微企业融资难的重要原因 Small and micro-enterprise financing is difficult, financing is troubled our country’s economic operation of the chronic problem. The State Council’s “Plan for Promoting the Development of Inclusive Financial Services (2016-2020)” (Guo Fa [2015] No. 74) promulgated by the State Council in the end of 2015 listed “promoting financial literacy education” as an important part of inclusive finance in order to crack Small and micro enterprises financing difficulties, financing problems pointed out a new road. The lack of financial knowledge is an important reason for the difficulty of financing small and micro enterprises